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What is a working capital loan?

Working capital is defined as the capital of a business which is used to fund its day-to-day operational
activities. Therefore, sufficient level of working capital is crucial for businesses. A working capital
loan from Max Funding is tailored finance product to assist small businesses to cover your day-to-day
operational costs like account payable, labor cost and marketing fees.

There is an easy formula to work out a business's working capital:

Working Capital = Current Assets minus Current Liabilities

(For example, if your company's current assets is AUD$600,000 and your company's current liabilities is
AUD $400,000 then the working capital is AUD$200,000. You easily figure out the current assets and
current liabilities figure on your balance sheet.)

It is an ideal strategy for you to compare your working capital with industry benchmark. For example,
businesses that operate in a high seasonality and cyclical sales industry will find sales varies between
different periods. Therefore, it is a great idea for you to get a working capital loan before peak
season. So you are well prepared to easier to achieve your business goals.

How to get a business loan to improve working capital?

The best way to handle a temporary cash flow shortfall is using working capital loans. At Max
Funding, we are dedicated to changing the lending experience for Australian SMEs by offering
fast working capital finance solutions with flexible criteria and greater convenience in
compared to bank loans. We are able to provide your business with much-needed cash flow when you
need it most. Simply complete our 5 Minutes online application form to get an instant
decision. For your peace of mind, the pre-approval process is free and non-committal and no
credit check is done at this stage.

Fast approval is the biggest benefits to small businesses from a Max Funding working capital
loan. By harnessing latest financial technology and advanced algorithm, we are able to approve
your loan application much faster than traditional banks. So you can access funding more
efficient to boost your working capital and continue to grow your company.

Different types of working capital loans

At Max Funding, you can enjoy flexibility by choosing between different types of working capital
finance. You can borrow from $1,000 to $1,000,000 that suits your company's needs. We offer fast
working capital loans, Equity business loans and working capital loans
with no collateral. Loan term can vary between 1 - 36 months. Our friendly lending
experts can also assist you to find out the solution that is tailored to you. Don't hesitate to
contact us if you want to know more about how working capital finance can help your business.

Max Funding has funded thousands of small and medium businesses in Australia. Therefore, we have
a more thorough understanding of the cash flow needs in your industry.

How can Max Funding loans help you?

Smooth the impact of cash fluctuations caused by unexpected business overhead

Seasonal Marketing Campaign

Unexpected business expenses

Meet Industry Benchmark

Excellent

Excellent all around!

The working capital loan from Max
Funding provides great flexibility to my business, I would highly recommend Max
Funding to anyone and other small businesses

Alicia, Sydney

55

17
Sep

Very impressed with the speed

Very impressed with the speed,
transparency and service. The interest rate is much lower than my expectations.
Good job, Max

Hamish, Melbourne

55

22
Oct

Small business working capital finance Gurus

Max Funding provides one of the
highest service standard in this industry, much better than old school banking.
Highly recommended.

Donny, Brisbane

55

15
Jan

Extremely knowledage and professional

Max Funing Team is easy to deal with,
deep lending knowledge and professional. We would definitely recommend.

Charmaine, Queensland

4.75

19
Feb

Great appreciation

Lauren was excellent. She walked me
through the whole process without any hassel. It only took 1 day to get the
funds I need.

Jonathan, Gold Coast

4.85

28
Jan

Support my business

We were running out of working capital
for my business. Luckily, I was able to get some help from Max Funding

Kyra, Melbourne

4.95

30
Oct

A fast, efficient solutiion for working capital

Day-to-day expenses sometimes made me
very hard to cove with. Max Funding is the first option for me.

Joseph, Sydney

55

23
Dec

Maximise my potential

max Funding is by far the best and
smartest option for finance. Dealing with big 4 banks was so annoying. The
online system by Max Funding was very easy to use. They always response to my
question promtly.

Andrian, NSW

4.85

19
Aug

If you need cash flow, Contact Max Funding

My business friends introduced Max
Funding to me. The whole process is flawless and the loan is approved in an
unbelievable speed. I would definitely recommend to other business owners as
well.

May, VIC

4.95

26
Aug

Trustworthy lender

You have to apply for a loan from a
lender that you can trust, Max Funding is the one for me